A lay-by can occur when a customer requests a merchant to hold an item for the customer until the customer pays for the item in full.Lay-bys are useful when you don't have enough money to pay for an item immediately, but you want to make sure that the merchant keeps it in stock and available for you when you are ready to pay.

DepositThe minimum deposit is 10% of the cost of the item.

TermThe maximum time you can take to pay for an item is 6 months.

Cancellation by the CustomerIf you cancel the lay-by, you will receive a refund of all the money you have paid, less the cancellation fee.

Automatic CancellationThe lay-by will cancel automatically if you fail to make payment in full within 6 months of beginning the lay-by. In this case you will receive a refund of all the money you have paid, less the cancellation fee.

Cancellation by Andrew Scott MusicIf we cancel the lay-by, you will receive a refund of all the money you have paid.

Cancellation FeeThe cancellation fee compensates us for our storage and administration costs during the term of the lay-by. The fee is 5% of the value of the item held on lay-by. If you bought the item via Ebay, there is a further deduction of 8% of the value of the item, which is the commission charged to us by Ebay, that we are not able to claim back.